> The US is the only country in the world where you have such a credit history system built with credit cards.
Aside from the links posted in a sibling comment, I wouldn't say the U.S. credit system is built with credit cards: it's a fairly holistic metric that takes into account rent payments, loans, and a bunch of other stuff like "bankruptcies, foreclosures, lawsuits, wage garnishments or attachments, liens, or public judgments against you"[0]. Credit cards are lines of credit, so they certainly factor in, but the focus on your overall credit health, of which your credit cards may be a small part.
Aside from the links posted in a sibling comment, I wouldn't say the U.S. credit system is built with credit cards: it's a fairly holistic metric that takes into account rent payments, loans, and a bunch of other stuff like "bankruptcies, foreclosures, lawsuits, wage garnishments or attachments, liens, or public judgments against you"[0]. Credit cards are lines of credit, so they certainly factor in, but the focus on your overall credit health, of which your credit cards may be a small part.
[0]: https://www.investopedia.com/articles/pf/10/credit-score-fac...